Wells Fargo Attune℠ Credit Card
Basic Information
Program ID: wells-fargo-attune-card
Issuer: Wells Fargo
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 16:54
Last Scraped: 01/15/2026 16:56
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each balance transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 12 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 12 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $20,000.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Bonus points are typically posted to your account within 1-2 billing cycles (approximately 6-8 weeks) after you have met the spending requirement.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Dining, 3x Gas, 3x Travel
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, or Equifax
Issuer Rules
Rules: Applicants for the Wells Fargo Attune Card must be 18 years or older, a U.S. resident, and possess a good to excellent credit history. A welcome bonus is not available if the applicant has received a welcome bonus for the Wells Fargo Attune Card in the past 15 months. Wells Fargo generally limits new credit card approvals to one every six months across its portfolio and may consider the number of recent credit applications across all issuers (e.g., a soft interpretation of the 5/24 rule).
Maximum Cards Per Issuer: 4
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Wells Fargo accounts, frequent product changes or upgrades/downgrades, excessive credit applications in a short period, unusual spending patterns inconsistent with income/profile, late payments or returned payments.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
High cash back rate on everyday spending categories like gas, groceries, drugstores, and streaming services. No annual fee and a decent introductory APR offer on purchases and balance transfers.
Top Negative Feedback:
The $15,000 annual cap on 4% cash back categories can be limiting for high spenders. Rewards are only 1% outside of the specified bonus categories.
Approval Experience Score: 78.0 / 100
Recommended Alternatives
- Wells Fargo Active Cash Card
- Chase Freedom Unlimited
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $480.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0